Reflecting On Financial Technology Stocks' Q4 Earnings: Remitly (NASDAQ:RELY)

Let’s dig into the relative performance of Remitly (NASDAQ:RELY) and its peers as we unravel the now-completed Q4 financial technology earnings season.

Financial technology companies benefit from the increasing consumer demand for digital payments, banking, and finance. Tailwinds fueling this trend include e-commerce along with improvements in blockchain infrastructure and AI-driven credit underwriting, which make access to money faster and cheaper. Despite regulatory scrutiny and resistance from traditional financial institutions, fintechs are poised for long-term growth as they disrupt legacy systems by expanding financial services to underserved population segments.

The 4 financial technology stocks we track reported a mixed Q4. As a group, revenues beat analysts’ consensus estimates by 2.3% while next quarter’s revenue guidance was in line.

Luckily, financial technology stocks have performed well with share prices up 17.9% on average since the latest earnings results.

Remitly (NASDAQ:RELY)

With Amazon founder Jeff Bezos as an early investor, Remitly (NASDAQ:RELY) is an online platform that enables consumers to safely and quickly send money globally.

Remitly reported revenues of $442.2 million, up 25.7% year on year. This print exceeded analysts’ expectations by 3.5%. Overall, it was an exceptional quarter for the company with EBITDA guidance for next quarter exceeding analysts’ expectations and a solid beat of analysts’ EBITDA estimates.

“We ended 2025 with very strong results, exceeding our guidance for both revenue and Adjusted EBITDA,” said Matt Oppenheimer, co-founder and Chief Executive Officer, Remitly.

Remitly delivered the weakest full-year guidance update of the whole group. The company reported 9.3 million active customers, up 19.2% year on year. Interestingly, the stock is up 28.9% since reporting and currently trades at $17.55.

Read why we think that Remitly is one of the best financial technology stocks, our full report is free.

Best Q4: LendingTree (NASDAQ:TREE)

Using the same comparison model that revolutionized travel booking, LendingTree (NASDAQ:TREE) operates an online platform that connects consumers with financial service providers across mortgages, personal loans, credit cards, insurance, and other financial products.

LendingTree reported revenues of $319.7 million, up 22.2% year on year, outperforming analysts’ expectations by 11.5%. The business had an incredible quarter with EBITDA guidance for next quarter exceeding analysts’ expectations and an impressive beat of analysts’ EBITDA estimates.

LendingTree scored the biggest analyst estimates beat and highest full-year guidance raise among its peers. The market seems happy with the results as the stock is up 24.9% since reporting. It currently trades at $47.15.

Is now the time to buy LendingTree? Access our full analysis of the earnings results here, it’s free.

Slowest Q4: Coinbase (NASDAQ:COIN)

Widely regarded as the face of crypto, Coinbase (NASDAQ:COIN) is a blockchain infrastructure company updating the financial system with its trading, staking, stablecoin, and other payment solutions.

Coinbase reported revenues of $1.78 billion, down 21.6% year on year, falling short of analysts’ expectations by 1.8%. It was a disappointing quarter as it posted a significant miss of analysts’ revenue estimates and a significant miss of analysts’ EBITDA estimates.

Coinbase delivered the slowest revenue growth in the group. Interestingly, the stock is up 29.1% since the results and currently trades at $182.14.

Read our full analysis of Coinbase’s results here.

Robinhood (NASDAQ:HOOD)

With a mission to democratize finance, Robinhood (NASDAQ:HOOD) is an online consumer finance platform known for its commission-free stock and crypto trading.

Robinhood reported revenues of $1.28 billion, up 26.5% year on year. This print missed analysts’ expectations by 3.9%. It was a disappointing quarter as it also produced a significant miss of analysts’ revenue estimates and a significant miss of analysts’ EBITDA estimates.

Robinhood delivered the fastest revenue growth but had the weakest performance against analyst estimates among its peers. The stock is down 11.5% since reporting and currently trades at $75.72.

Read our full, actionable report on Robinhood here, it’s free.

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